On July 15th 2014, Sullivan, MO resident Jeannie Radford's only concern was the health of her baby.

"I was 32 weeks and five days pregnant. I was five centimeters dilated. My water bag bulging," added Radford.

When she contacted her insurance company, Anthem Blue Cross Blue Shield, she says a representative told her the company was not paying the bill because it determined it wasn’t medically necessary for her to be airlifted.

"I guarantee if we asked that physician whether he thought it was medically necessary, he would tell us yes." said Matt O'Grady, Radford's attorney.